                &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}&\multicolumn{1}{c}{(5)}\\
                &\multicolumn{1}{c}{Any use}&\multicolumn{1}{c}{Value transactions}&\multicolumn{1}{c}{Number transactions}&\multicolumn{1}{c}{Savings (GHS)}&\multicolumn{1}{c}{Late Repayment}\\
\midrule
Treatment       &    0.007         &    1.034         &    0.060         &   10.303         &   -0.034         \\
                &  (0.005)         &  (4.828)         &  (0.044)         & (28.375)         &  (0.039)         \\
\addlinespace
Mobile Banking  &                  &                  &                  &                  &                  \\
\addlinespace
$\text{     } \times$ Only 1&    0.044\sym{***}&   34.813\sym{***}&    0.047         &   -4.993         &   -0.036         \\
                &  (0.011)         & (11.642)         &  (0.056)         & (46.405)         &  (0.059)         \\
\addlinespace
$\text{     } \times$ Only 2&    0.028\sym{**} &   21.238         &    0.011         &   43.429         &    0.022         \\
                &  (0.011)         & (13.299)         &  (0.060)         & (45.500)         &  (0.056)         \\
\addlinespace
$\text{     } \times$ Only 3&    0.056\sym{***}&   31.017\sym{**} &    0.067         &    5.665         &    0.018         \\
                &  (0.012)         & (13.041)         &  (0.087)         & (41.648)         &  (0.051)         \\
\addlinespace
$\text{     } \times$ Only 4&    0.076\sym{***}&   33.020\sym{**} &    0.064         &   87.421\sym{*}  &    0.018         \\
                &  (0.012)         & (14.432)         &  (0.057)         & (44.729)         &  (0.051)         \\
\addlinespace
$\text{     } \times$ Only 5&    0.114\sym{***}&   36.018\sym{***}&    0.128\sym{**} &  -55.425         &    0.042         \\
                &  (0.014)         & (11.226)         &  (0.055)         & (49.506)         &  (0.053)         \\
\addlinespace
$\text{     } \times$ Only 6&    0.086\sym{***}&   42.192\sym{***}&    0.061         &   -9.822         &    0.061         \\
                &  (0.014)         & (14.131)         &  (0.063)         & (46.673)         &  (0.054)         \\
\addlinespace
$\text{     } \times$ Only 7&    0.090\sym{***}&   56.880\sym{***}&    0.016         &   41.437         &    0.043         \\
                &  (0.016)         & (14.766)         &  (0.058)         & (59.419)         &  (0.052)         \\
\addlinespace
$\text{     } \times$ Only 8&    0.101\sym{***}&   53.096\sym{***}&    0.066         &  -49.115         &    0.024         \\
                &  (0.017)         & (12.985)         &  (0.055)         & (49.532)         &  (0.051)         \\
\addlinespace
$\text{     } \times$ Only 9&    0.102\sym{***}&   43.783\sym{***}&    0.028         &   48.970         &   -0.040         \\
                &  (0.019)         & (12.140)         &  (0.054)         & (53.670)         &  (0.060)         \\
\addlinespace
$\text{     } \times$ All messages&    0.125\sym{***}&   57.630\sym{***}&    0.071         &  -82.239         &   -0.081         \\
                &  (0.022)         & (16.927)         &  (0.050)         & (51.086)         &  (0.068)         \\
\midrule
Observations    &    40000         &    40000         &    40000         &    40000         &    11696         \\
Saving Mean     &    0.017         &    8.559         &    0.042         &  268.946         &    0.256         \\
Wave FE         &      Yes         &      Yes         &      Yes         &      Yes         &      Yes         \\
